Hi I am reclaiming charges from OUTFIT store card and have had an offer of the difference between £12 & a number of £18 charges. GE Money are handling this query and state:

"GE Money has reviewed the OFT's publication of its findings into default fee charges along with our own cost base. Our view remains that we are entitled to charge these fees. This is consistent with the OFT's view. The OFT ruling deemed that a £12 fee would be a reasonable charge for costs incurred as a result of breaching the Terms and Conditions of your credit agreement. Our charging structure now supports this ruling. GE Money will only refund the proportion of charges that our customers have incurred that exceed £12"

They are now suggesting i refer the matter to the FOS.

Should I take this further via the courts?

Hi, papadak.

Yes, take it as far as you can, £12 a reasonable charge, eh.....don't think so.

Regards.

Scott.

Was this your prelim or LBA? If prelim, you can send LBA and state that they are LYING about what the OFT's report said: It did NOT say that a £12 fee would be a reasonable charge, quite the opposite in fact: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold.

Or just sue their backside and don't forget the interest.

Was this your prelim or LBA? If prelim, you can send LBA and state that they are LYING about what the OFT's report said: It did NOT say that a £12 fee would be a reasonable charge, quite the opposite in fact: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

 

 

 

Or just sue their backside and don't forget the interest.

Hi,

Very interesting reply, thank you. My last letter was a 'final demand' so the next stage would be via a court claim.

Then go for it.

Then go for it.

Thank you i will. It's GE Money I serve the claim against? I wondered is there a particular address i serve the papers to?

Oooh, it's been a while since I dealt with them, let me check that one.

Oooh, it's been a while since I dealt with them, let me check that one.

Yes, i am struggling to find links anywhere on this forum, any guidance appreciated.

GE Capital Bank Limited

6 Agar Street

London

WC2N 4HR

That's their registered office, the Leeds address is a PO Box, so not suitable for claim forms, use the London one.

GE Capital Bank Limited

6 Agar Street

London

WC2N 4HR

 

That's their registered office, the Leeds address is a PO Box, so not suitable for claim forms, use the London one.

Many thanks for your kind help.

Hi,

I've had a result v Outfit ... they've agreed to refund, charges, interest & CF - good news!

Hi,

 

I've had a result v Outfit ... they've agreed to refund, charges, interest & CF - good news!

Superb stuff, papadak. Congratulations

What was the last letter you sent them ?

Have they refunded you yet ?

Regards.

Scott.

Superb stuff, papadak. Congratulations

 

What was the last letter you sent them ?

 

Have they refunded you yet ?

 

Regards.

 

Scott.

Hi,

Thank you!

Yes they have, 2 weeks ago, via a court order - that was my 'last letter' in effect!

Good work, well done

Regards.

Scott.

Good work, well done

 

Regards.

 

Scott.

Hi Scott,

I appreciate that! Cheers

Congratulations Papadak

I am about to issue court proceedings against G E Money after starting a claim with them last year, I got a bit sidetracked with other claims and am just getting back to it.

I got the same reply as you, that their £12 fees are reasonable and they would only refund the ones that exceed £12.

So its on to court I go Can I ask? Did you file your claim via MCOL or by your local court. I am worried that MCOL will put it on hold along with the bank claims. Its been a long time since I've had to do this.

Well done

Penny:)

Congratulations Papadak

 

I am about to issue court proceedings against G E Money after starting a claim with them last year, I got a bit sidetracked with other claims and am just getting back to it.

I got the same reply as you, that their £12 fees are reasonable and they would only refund the ones that exceed £12.

 

So its on to court I go Can I ask? Did you file your claim via MCOL or by your local court. I am worried that MCOL will put it on hold along with the bank claims. Its been a long time since I've had to do this.

 

Well done

 

Penny:)

Hi there,

Thank You for your kind words. I issued a MCOL. It it's a store card not a prob. Go get em do not fear ... Send me a private message and i'll give you my template with detail. Good luck

Thanks Papadak,

I have sent you a PM.

I'm glad that its OK to use MCOL as thats the only one I have used before

Thanks Papadak,

 

I have sent you a PM.

 

I'm glad that its OK to use MCOL as thats the only one I have used before

Hi Penny,

i've replied already ... good luck

Thank you so much, you have been a big help, I am not so worried now.

I will let you know how I get on.

Thank you so much, you have been a big help, I am not so worried now.

 

I will let you know how I get on.

Hi there, any news in yet?

Thanks Papadak,

 

I have sent you a PM.

 

I'm glad that its OK to use MCOL as thats the only one I have used before

any news for you as yet?

Thanks Papadak,

 

I have sent you a PM.

 

I'm glad that its OK to use MCOL as thats the only one I have used before

Hi any joy with Outfit?

Thanks Papadak,

 

I have sent you a PM.

 

I'm glad that its OK to use MCOL as thats the only one I have used before

hi any joy with outfit pennypenny??